Report Number 0136-4482-92 is still showing 1802 Tall Chief, Leander, TX 78641-8699 as one of my addresses and it is my son Joshua Ingersoll's address. Please let me know the company that used that address so I can contact them. Thank you!

will my 401K be affected with merrill lynch if i have a credit card with them and about to enter a debt settlement program?

Quick outline of the problem: - Started a business in Chicago and used credit cards for daily living/start up costs - company went under and couldn't find work in Dec 09 moved to Florida to live with family - still out of work and stopped paying CC in Feb of this year with about 80k in debt through AMEX, Chase, BOA, Discover, and 1st National - was unable to pay the settlement amounts after the 90-120 days but never agreed to them - now starting to get calls from collection agencies/Law Firm this month - still out of work and prob not able to pay anything I do not own a home and have a car

After going into business reluctantly with my inlaws...we i dissolved business relations with them in 2006. My controlling father in law made claims to my husband (because of other abusive issues we were having with him) that we owed him for everything he had ever bought for him..right down to my husbands first car. Out of frustration my husband added in his head an amount that his dad had spent on items such as his first car, help with college and part of our business expenses. This check was written in 2007 and never cashed.

I have received an email saying final collection email from united cash loans stating "Your account with United cash Loans acct#... is in final collections. According to our records your outstanding balance is $430.00. (If you have recently resolved this account over the phone, please disregard this message.) Well I only borrowed $250.00 and I paid back $225.00. So what can they do. I did send c & D letters to them. As for Cash Advance network I borrowed $500.00 and paid $150.00 they had ARM call me and tell me I owe $860.00 and they will settle for $560.00 in full.

Hi, There is such valuable information on this site. I just need help with determining which lenders are legal in Texas and which are not. I went to the website for Texas where you check if they are licensed or not but I can't find any of them in the database or I'm unsure what name they are doing business as if they are licensed. Can someone on here help me out and please let me know which ones are not legal in Texas?

I owe 27,000 on a Citibank card. I asked them to lower my interest rate and they would not. They are charging me 30% per month and my payments are $900 a month. I cannot afford this. I am 2 weeks behind on my payment and when I looked on line they added almost 2,000 onto my bill. My goal is to get my interest rate reduced so I can afford a reasonable monthly payment so the debt is payed off within 4 years. I am at a loss and do not know if I should contact them and work it out or use an agency.

We've been settling our credit cards and have them all settled except for one. That's bank of america. We are now about 9 months past due. For the last 6 months, BOFA has been telling us they won't take less than 30% on a $9,000 debt. Finally this past week they dropped to 25%. However, we can't afford more than 20%. They continue to refuse and are now saying they are going to sell our debt or seek legal action or other such options as of tomorrow. They indicated that as of tomorrow they will no longer have the debt in their hands.

I was told by a friend of mine to use ADVERTISING LINK REMOVED Supposedly they take all of hassle out of sueing the agency I know a few people who used them and got paid good but I wanted some more opinion anyone use them before???

How can i get a new ca to send me a letter in the mail so that i can send a dv letter? The new ca has posted the collection my credit report but has not contacted me by phone or mail. I have their information what can i do?